Settl: Split. Track. Settle. - Split and Settle with UPI and AI

I built Settl because splitting money with friends always felt unnecessarily messy. We use UPI for everything in India, yet shared expenses are still tracked in spreadsheets, chats, or apps that stop at “who owes whom” without helping people actually settle. I wanted to build something designed around how India already pays — UPI-first, simple, fast, and frictionless. Then I added Settl AI to remove manual entry, so creating expenses feels effortless. Over time, the product evolved from being “just another expense splitter” into a calmer, cleaner money coordination app - focused on reducing awkward reminders, confusion, and payment friction between friends, roommates, couples, and groups. My goal is simple: make shared money invisible, so relationships stay easy.